Enter your average income below to estimate applicable free-cash in all major European cities. By free-cash we mean your disposable income, left in your pocket after paying tax, rent, insurance, public transport, food expenses and basic entertainment. How does it work?

average income is
₽ 129000

per

Your estimated

Best value All models

City

free-cash

Helsinki , Finland

₽44669

₽44978

₽49529

₽31841

S + D Salary + Dividends

Salary + Dividends. A combination of a fixed monthly income with a bonus at the end of the year.

Dividends

Dividends. A single payment made annually out of accumulated profits.

Salary

Salary. A fixed monthly income you pay yourself to cover your living expenses.

Sole trader

Sole trader. You're running your business as an individual with an unlimited responsibility

Sole trader

You can choose the amount to declare for pension contributions and choose a pension insurance company or a pension insurance fund you prefer to use; or you could opt out of pension contributions altogether. You can find more details on Finnish Centre for Pensions

129 000

municipal

22 939

health

1 562

national

15 962

total

40 463

Employee

53 456

108 523

health

399

1 247

municipal

8 756

17 698

pensions

3 608

7 325

unemployment

802

1 627

national

883

9 777

total

14 448

37 674

Employer

53 456

108 523

accident

108

unemployment

347

706

pensions

9 274

18 828

health

411

835

total

10 086

20 477

Corporate

65 458

129 000

income

13 092

25 800

total

13 092

25 800

Dividends

Finish residents use 75% of income from dividends as a base for income tax.

39 275

77 400

national

320

5 590

municipal

7 068

13 933

total

7 388

19 523

Income

129 000

Total tax

45 014

45 323

58 151

40 463

After tax

83 986

83 677

70 849

88 537

Living cost

39 008

Free-cash

44 978

44 669

31 841

49 529

Estimated living cost is ₽39008 per week

₽25480

Rent. One bedroom at downtown or an upmarket area with basic utilities which include internet connection and a mobile phone.

₽3752

Public transport and taxi. Monthly travel card, and a few taxi rides per week.

₽621

Clothing and shoes. We estimate one pair of shoes and trainers, and several items of clothing each year, or slightly more often if you choose cheaper mass market stores. Twice as often for kids.

₽9157

Food and entertainment. We estimate that you will have breakfast at a cafe once a week, evening meal at a restaurant once a week, and visit bars once a week for drinks.Other days you prepare meals at home.

₽0

I'm drinking at home rarely or never.

₽0

I do not smoke or smoke very rarely.

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Additional information

Finland permits registration as a sole-trader only for EU nationals or long-term EU resident permit holders. Other nationals should set up a company and hire themselves as an employee.